Got a call from Amex Financial Review Dept# Money - 海外理财
s*n
1 楼
I am pretty sure it's triggered by a $1k VR purchase at CVS. The call came 5
minutes after the purchase. First they asked why there are several $1k
purchase from CVS on my card. I said I bought gift cards. Then they asked me
what type of gift card, CVS gift card or Blue Bird gift cards. So they are
aware of this deal. I said I bought generic visa gift cards. My guess is
that if I said VR they would call it cash advance and do other things. They
asked me why I bought so many gift cards. I said I had a large purchase to
make and I can get 5% cashback this way. I will not disclose my large
purchase but
apparently the person was okay with my answer.
Then he asked about the VR purchases on my business gold card (I only have
1k in total). And tried to talk me into admitting I really don't have a
business. I think what saved me was I have an EIN although I don't have any
revenue. He asked me not to put personal charge on a business card again and
let me go.
Another background: I have faxed in my tax return and income documentation
late last year when I asked for a credit line increase. Maybe this is reason
why they don't ask for additional documentation. I have enough verified
income to back up my credit line.I guess they don't like me to use my old
bluecash card to get 5% from CVS. But for now there is nothing they can do
about it.
Conclusions:
1. Be careful about VR purchases from CVS. Go SLOW.
2. Business Gold card is indeed a financial review magnet. Don't touch it
unless you are prepared with business documents. Don't put any personal
charges to trigger it.
3. Amex know about bluebird/VR. So be careful
minutes after the purchase. First they asked why there are several $1k
purchase from CVS on my card. I said I bought gift cards. Then they asked me
what type of gift card, CVS gift card or Blue Bird gift cards. So they are
aware of this deal. I said I bought generic visa gift cards. My guess is
that if I said VR they would call it cash advance and do other things. They
asked me why I bought so many gift cards. I said I had a large purchase to
make and I can get 5% cashback this way. I will not disclose my large
purchase but
apparently the person was okay with my answer.
Then he asked about the VR purchases on my business gold card (I only have
1k in total). And tried to talk me into admitting I really don't have a
business. I think what saved me was I have an EIN although I don't have any
revenue. He asked me not to put personal charge on a business card again and
let me go.
Another background: I have faxed in my tax return and income documentation
late last year when I asked for a credit line increase. Maybe this is reason
why they don't ask for additional documentation. I have enough verified
income to back up my credit line.I guess they don't like me to use my old
bluecash card to get 5% from CVS. But for now there is nothing they can do
about it.
Conclusions:
1. Be careful about VR purchases from CVS. Go SLOW.
2. Business Gold card is indeed a financial review magnet. Don't touch it
unless you are prepared with business documents. Don't put any personal
charges to trigger it.
3. Amex know about bluebird/VR. So be careful
